Fairfax County, Virginia
Mortgage Company in Fairfax County, VA
- 100+ lenders, one application
- Jumbo loans compared
- No credit pull to start
Fairfax County prices leave little room for a weak offer. Access Financial is an independent mortgage company in Fairfax County VA that puts your file in front of more than 100 lenders.
Serving
Tysons, Reston, Springfield and all of Fairfax County
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- VA licenseMC-5948
- NMLS1370402
- $761KTypical county home
- 12 daysTo pending
- $1,249,1252026 loan limit
- 100+Wholesale lenders
Loan programs
From Tysons condos to Great Falls estates
Fairfax County covers high rises near the Silver Line and acre lots near the river. One mortgage company in Fairfax County VA handles both.
Purchase loans
Fairfax County home loans for condos, townhouses and single family homes, all from one application.
About purchase loansJumbo loans
Many homes in McLean, Great Falls and Oakton pass the limit. Jumbo loans in Fairfax County go to lenders that compete for them.
About jumbo loansGovernment contractor loans
Cleared work, contract gaps and bonus pay need a lender who reads them right. A government contractor mortgage does.
About contractor loansHELOC
A HELOC in Fairfax County lets you tap equity for a remodel while keeping your first mortgage in place.
About HELOCsHome equity loan
One lump sum at a fixed payment. A clean fit for a single large project.
About home equity loansReverse mortgages
Homeowners 62 and older can turn equity into income and stay in the home they know.
About reverse mortgagesWhy us
Banks sell their loans. We shop for yours.
A bank can only lend its own product. We are an independent mortgage company in Fairfax County VA. One application reaches more than 100 lenders, and every answer comes back in writing.
Big balances, careful pricing
Small rate gaps cost thousands on a large loan. We compare several jumbo lenders before you lock.
Clearance jobs understood
Lenders that know cleared contract work read your income correctly the first time.
One loan officer to closing
The same person handles your file from the first call to the final signature.
Credit stays untouched early
We start with your numbers. Credit is pulled only once you pick a path.
The county market
High prices, fast offers. Plan for both.
Zillow put the typical Fairfax County home value near $760,599 in August 2026. Homes went to pending in about 12 days.
A same day letter from a mortgage company in Fairfax County VA puts you on equal footing with cash heavy buyers.
What one application gets you
- Lenders who can see your file100+
- Loan programs reviewed40+
- Time to a preapproval letterSame day
- Loan officers handling you1
- Credit pulled to get this farNone
Who we help
Which buyer are you?
People who call a mortgage company in Fairfax County VA usually start with one of these.
"We are retired in Vienna and want income from the house."
A reverse mortgage can pay you from your equity while you stay put. We explain the tradeoffs plainly.
Reverse mortgages"My task order ended and the next one starts in a month."
Short gaps in contract work do not rule you out. The right lender looks at your full track record.
Government contractor loans"The Great Falls house is well over the limit."
We compare jumbo pricing across lenders so you do not settle for the first quote.
Jumbo loan options"We want an in law suite without touching our low rate."
A HELOC funds the build and leaves your first mortgage alone.
HELOC optionsWhere we lend
Tysons, Reston, Springfield and beyond
One mortgage company in Fairfax County VA file covers every town from Herndon to Mount Vernon. Buyers in Burke, Annandale and Chantilly get the same Fairfax County home loans team and lender list.
- McLean
- Vienna
- Reston
- Herndon
- Chantilly
- Centreville
- Fairfax Station
- Burke
- Springfield
- Annandale
- Lorton
- Great Falls
- Oakton
- Tysons
- Mount Vernon
- Kingstowne
- Clifton
- Franconia
- Fair Oaks
- Merrifield
How it works
How your file moves
With our mortgage company in Fairfax County VA team, every step runs by phone and online.
- Opening callIncome, assets, debts and goalsAbout 10 min
- Lender matchFile sent to lenders that fitSame day
- PreapprovalA written letter for your agentSame day
- ClosingOne loan officer the entire way30 to 45 days
Other locations
Elsewhere in Virginia
We cover each of these areas with the same team and the same lenders.
- Northern VirginiaThe whole region
- WoodbridgePrince William County, I 95
- Dale CityPrince William County
- ManassasCity and Manassas Park
- Loudoun CountyAshburn, Leesburg, Sterling
- Prince William CountyWoodbridge to Gainesville
- ArlingtonThe Metro corridor
- AlexandriaOld Town to Kingstowne
- Hampton RoadsNorfolk, Virginia Beach, Hampton
- RichmondCity, Henrico, Chesterfield
- FredericksburgStafford and Spotsylvania
Before you apply
What Fairfax buyers read first
Tools and guides worth a look before you choose a mortgage company in Fairfax County VA.
Find out what you qualify for
Compare real offers this week
Tell us how you earn and what you want to buy. We send your options in writing, and nothing touches your credit to start.
Call (443) 494 4001 to reach a mortgage company in Fairfax County VA that picks up, or apply online.
Access Financial Mortgage Corp. NMLS 1370402. Virginia State Corporation Commission License MC-5948. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property review and program guidelines.
FAQ
Fairfax County questions
How is a mortgage company different from a big bank?
A big bank sells its own loans. A mortgage company in Fairfax County VA shops your file across many lenders, so you compare before you commit.
What is the 2026 conforming limit in Fairfax County?
It is $1,249,125 for a single family home. Anything above that is a jumbo loan with its own credit and reserve rules.
Are there first time buyer programs in Fairfax County?
Yes. Fairfax County runs its own programs and Virginia Housing offers statewide help. A first time home buyer Fairfax County file gets checked against each one.
Should I pick a HELOC or a home equity loan?
A HELOC works like a credit line you draw as needed. A home equity loan pays one lump sum at a fixed payment.
Can contractors qualify between contracts?
Often, yes. Lenders look at your history in the field, not only your current order.
Do I need to meet in person?
No. We are licensed in Virginia and handle everything by phone and secure upload.